Credit unions · Manitoba
Manitoba credit union deposit insurance
Deposits at provincially regulated Manitoba credit unions are protected by the Deposit Guarantee Corporation of Manitoba: unlimited — all deposits including accrued interest for non-registered deposits. Federal credit unions are covered by CDIC instead. Below: the insurer’s rules for registered deposits, how to complain, and the province’s credit unions.
Checked October 30, 2026How much of my money is protected at a Manitoba credit union?
Worked example — non-registered deposits at one Manitoba credit union
| Deposit | Amount | Protected | Not protected |
|---|---|---|---|
| $50,000 in your own name at one Manitoba credit union | $50,000 | $50,000 | $0 |
| $150,000 in your own name at one Manitoba credit union | $150,000 | $150,000 | $0 |
| $300,000 in your own name at one Manitoba credit union | $300,000 | $300,000 | $0 |
Manitoba protects eligible deposits in full, so the amount doesn’t change the answer. Federal credit unions in Manitoba are covered by CDIC instead, at $100,000 per category.
| Manitoba | |
|---|---|
| Insurer | Deposit Guarantee Corporation of Manitoba (DGCM) |
| Non-registered deposits | Unlimited — all deposits including accrued interest |
| Registered deposits | Unlimited |
| Complaints | Manitoba credit unions offer OBSI to their members. |
Good to know
- Covers deposits at Manitoba credit unions and caisses regardless of where the depositor lives.
- DGCM notes there is no legislated requirement for the Manitoba government to guarantee deposits.
Profiles in our directory
How MB compares with CDIC
Manitoba credit union deposits have no dollar cap, while CDIC covers up to $100,000 per category at each member. A federal credit union in Manitoba would be CDIC-insured instead.
Check whether your credit union is provincial or federal before relying on these limits — the directory shows each one.
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